Opening a bank account is an important matter that does not tolerate haste and making wrong decisions. At the same time, special attention is paid to the very purpose of applying to a financial institution. For example, it can be receiving a pension, issuing a card, etc. We will tell you in this article how to open an account with Sberbank for an individual and under what conditions this can be done.

Who can open an account with Sberbank?

Most often, opening an account is associated with the need to carry out various financial transactions. All citizens of the Russian Federation who have reached the age of majority and have a residence permit or registration can open their account with Sberbank. It can be both individuals and legal entities, as well as corporate clients. To do this, they need to come to the nearest branch of a credit institution with a passport or do it remotely through Sberbank-Online.

What determines the choice of the program?

If you are just thinking about how to open an account with Sberbank for an individual, start by defining the goal. And already on its basis it will be possible to consider in detail the conditions for issuing a particular banking product. Also, before contacting a bank representative, you should answer the following questions:

• whether other people will be able to participate in the operation of your account (for example, if the next of kin express a desire to deposit a certain amount);
• whether you plan to wait until the end of your contract or want to charge interest on demand and ahead of time;
• whether you intend to keep a fireproof balance on your account or want to withdraw from it the entire amount to the penny.

We will tell you how to open an account with Sberbank for a private person below.

For what purposes can individuals open accounts?

Depending on the banking program and its intended purpose, available accounts for individuals are conditionally divided into four main types:

• settlement;
• current;
• accumulative or deposit;
• card.

Settlement accounts in Sberbank

A current account, as a rule, is opened by individuals for the purpose of their further participation in the deposit programs operating in the bank, and also, if necessary. For example, a weighty argument for this action is the receipt of wages, pensions or social benefits. We will answer below how to open an account with Sberbank for a private person.

Current and card accounts in Sberbank

A checking or "working" account is usually used to perform necessary transactions (sending or receiving money) and storing personal finances.

Card accounts are conditionally divided into two types:

• debit;
• credit.

If you have no idea how to open an account with Sberbank for a private person for a pension and what type of card account to choose, pay attention to debit ones. These accounts are designed to carry out a wide variety of payments, including pensions, wages, social benefits and alimony. When registering a debit account, you become the owner of a plastic card. In the future, you can withdraw money from it in cash and make purchases within the amount in your account.

A credit card, on the other hand, has a certain limit and allows the client to make purchases within this amount. At the same time, you will also have to pay interest to the bank for the use of credit funds. Accordingly, a new loan can be taken with the full repayment of the previous one.

Savings or deposit accounts

Special attention deserves, perhaps, savings and deposit accounts. They are the ones that will suit you if you decide to get information on how to open an account with Sberbank for a private person in foreign currency and save money at the same time. Deposit accounts are of two types:

• savings;
• cumulative.

The meaning of opening such accounts boils down to the following: you deposit a certain amount of money into the account and wait for a certain time; for the period of keeping your money in the bank, interest is accumulated, which can be withdrawn either at the end of the contract, or do it as needed, for example, monthly (quarterly).

How to open an account with Sberbank for a private person?

To open a current account with Sberbank of Russia, you need to contact the representatives of a credit institution with a passport and a small amount for the first installment. For example, when choosing the “Save” deposit program, the bank client will be prompted to write an application and deposit at least 1000 rubles, $ 100 or 100 €.

However, before opening an account with Sberbank for a private person at interest, it is necessary to carefully study the conditions of the bank's current programs. For example, the same “Save” deposit is opened in national and foreign currencies for a period of one month to three years. It does not provide for partial withdrawal and replenishment, but it involves monthly capitalization of interest.

How to get a pension?

For example, when contacting Sberbank, you decided to open a card account and receive a "Classic" or "Social" card. What do you need to apply and receive? In order to receive this card and open an account, you need to contact any Sberbank branch at your place of residence, write an application and enter your passport details, TIN code and pension certificate into it. In this case, in the appropriate column, you must enter information about the Pension Fund, which accrues your pension. Then you should give the application form to the representative of the bank and wait for its consideration from one to two days. After this period, an account will be opened for you and a card will be issued or denied.

In the event of a positive response and receipt of the card, you will only have to take the necessary details of Sberbank (r / s, MFO) and take them to your Pension Fund. Later, you can easily receive your pension at the nearest ATMs of the bank.

Note: if you decide to open your own account in your name, then in order to implement your plan, you must personally be present at the execution of all documents. If you are planning to make an account, for example, for your child or another close relative, friend, colleague, then it makes sense for you to first find out how to open an account with Sberbank for a private person for another person. We will talk about this a little later.

Are there benefits for pensioners when opening deposits?

According to the current banking regulations, certain loyalty programs work for depositors of retirement age. For example, when opening a “Replenish” or “Save” deposit, pensioners are waiting for the maximum allowable interest rate.

Is it difficult to open accounts for the purpose of accumulating interest?

Do you want to open an account with Sberbank and save up, for example, for your child's education? Then it is worth considering savings programs, which are widely represented in Sberbank. For example, your choice fell on a perpetual deposit "On Demand of Sberbank of Russia". How to open it?

You can open such a deposit in national and foreign currency according to your passport and in any branch of the bank. The exception is in rare types of currency. In order to open accounts in this case, it is necessary to clarify in advance the list of branches providing such a service. The rest of the depositors need to draw up an agreement with the bank, where they indicate the following:

• the amount and currency of the investment;
• investment period;
• expiration date of the investment;
• incoming and outgoing operations on the deposit;
• the amount of the minimum deposit for a cash deposit;
• the frequency of making additional contributions;
• the size of the fireproof residue;
• frequency of interest payments;
• address and contact details.

Also, opening a deposit account is possible using ATMs, terminals and other services with remote maintenance. We will tell further about whether and how to open an account with Sberbank for a private person in a different name.

Can I open a deposit in someone else's name?

It is allowed to open an account and deposit in someone else's name. For example, you decide to give a deposit to your spouse. In this case, you need to come to any bank branch, and then draw up an agreement by presenting your passport. You will also need to provide the following:

• Name of the third party;
• date and year of birth;
• the presence of citizenship;
• registration contact address;
• the type of document provided by a third party with its details.

If you don’t know, in Sberbank to a private person without his presence, we will help you figure it out.

Is it possible to open an account for a third party, but without his presence?

You can open a deposit without the presence of a third party. This is done by analogy with the previous design option. The only thing is that if the opening of the account is performed by the secretary or accountant of the enterprise, then in addition to the above documents, he must present a notarized power of attorney. For example, if a foreign citizen plans to open an account with Sberbank not personally, but through an intermediary, then he must provide the bank with a power of attorney signed either by a notary or a consul.

How many deposits can one person make? An individual residing in the territory of the Russian Federation has the full right to open an unlimited number of deposits if desired.

How to open an account in foreign currency?

Most deposits and accounts work in two directions - foreign and domestic currency. Therefore, opening such accounts is not associated with any difficulties. For example, you decide in US dollars. What is needed for this? To open such an account, you need to contact the bank and, in accordance with the current Russian legislation, select a suitable deposit.

For example, you have chosen the “Universal” perpetual deposit program with the possibility of partial withdrawal, replenishment and monthly accrual of the balance. To open such an account, you need to conclude an agreement with the bank and deposit at least $5 into your account. In addition to everything, you can draw up a testamentary disposition or power of attorney for your next of kin.

Is it possible for foreigners to open an account with Sberbank?

Still do not know how to open an account with Sberbank for a private foreigner? To get started, you should arrive at any branch of the bank, write an application and provide the following documents:

• passport (foreign passport or a document giving the right to reside in the Russian Federation);
• migration card.

When drawing up the contract, please note that you can indicate the persons and their passport data who, in your absence or on your behalf, can use the deposit. And, of course, you will need to choose the investment currency and make the minimum allowable deposit amount.

Choosing a bank for a legal entity is not an easy task, much more difficult than for an individual entrepreneur. Entrepreneurs, as individuals, are protected by the deposit insurance system. If it happens to the bank, the individual entrepreneurs will return the money from the current account, within the current limit (in 2017 it is 1,400,000 rubles). Clients-organizations are not protected by anything, all they are guaranteed is a place in the queue of creditors. Often the decision to open an account with Sberbank for a legal entity is caused precisely by the desire to avoid the risk of losing money.

Please note: from 2019, the system of insurance of funds held in bank accounts will also apply to.

Pros and cons of Sberbank

Sberbank is a clumsy, cumbersome structure and does not chase customers. The bank is already doing well, according to the results of 2016, it became the most profitable bank in the world, and the return on equity increased to 20%. Sberbank does not hide the secret of success - to reduce rates on deposits of individuals and organizations, to reduce staff and the number of branches.

If you are primarily interested in the quality of service and low rates, then opening a current account with Sberbank for an LLC is not the best idea. But the bank has another indisputable plus - its main shareholder and founder is the Central Bank. In the context of the protracted sanation of the financial market, when the licenses of credit institutions are revoked almost every month, the advantage is significant.

In addition, Sberbank itself calls its advantages:

• the largest branch network in Russia (legal entities serve 800 branches, and individuals - about 15,000);
• active lending to small and medium-sized businesses (about 33% of the corporate loan portfolio accounts for SMEs);
• subsidiary banks in the CIS (Ukraine, Kazakhstan, Belarus) and abroad (Austria, Switzerland, Turkey);
• quick opening of foreign currency accounts - on the day the client provides a full package of documents.

According to the statistics of the banki.ru portal, Sberbank ranks first in the financial rating of Russian credit institutions.

But in the national rating, which is compiled according to customer reviews, its positions are much lower - they barely reach the fourth ten. Most of all, customers are dissatisfied with the sluggishness and low qualification of employees, the long passage of payments, poorly functioning online banking, and high service rates.

In fairness, it must be said that not a single bank has absolutely satisfied customers. As for tariffs, they are more noticeable for individual entrepreneurs with low incomes than for organizations with good turnover.

Account opening procedure

If you have made a decision in favor of the largest credit institution in Russia, then find out how to open a current account with Sberbank for an LLC.

Opening an account for legal entities in any bank takes place according to the Instruction of the Central Bank of the Russian Federation dated May 30, 2014 N 153-I. Information about what documents are needed for this is also on the bank's website. To open a current account for an LLC, you must submit:

1. charter;
2. certificate of registration of a legal entity (for LLCs established before January 1, 2017) or an entry sheet of the Unified State Register of Legal Entities in the form No. P50007;
3. original extract from the state register of legal entities (a copy certified by a notary or tax office is allowed);
4. a card with a sample seal and signatures;
5. documents confirming the powers of the head (personnel order or decision of the founders);
6. confirmation of the authority to manage the account of other persons whose signature is recorded on the card (most often, an order to appoint a chief accountant);
7. passport of the head and other persons having access to non-cash funds;
8. information in the form of a bank;
9. license for certain types of activity, if it is issued.

Additionally, in order to open a current account for an LLC, the manager will offer to fill out a client application and a questionnaire to identify the beneficiary.

Documents are submitted in the original, the operator can remove and certify copies of them for a fee. Notarized copies are also accepted, but you still need to have the originals with you for comparison.

All information received about the client is carefully checked, but the website says that opening an account with Sberbank for legal entities is possible even on the day the documents are submitted. However, if the client's integrity is in question, the service agreement may not be concluded. The bank has the right not to report the reasons for the refusal.

The answer to the question of how much it costs to open a current account for an LLC depends on the location of the bank branch and the number of signatures in the sample card. The highest one-time commission for opening an account is in Moscow (3000 rubles). Add here another 500 rubles for the execution of one signature, plus 300 rubles for certifying a copy of each original.

In total, opening an LLC account with Sberbank for a metropolitan organization will cost at least 5,000 rubles. A separate fee is charged for each additional option (checkbook, electronic key, connection to the Sberbank Business Online system, etc.).

Preliminary account reservation

You can reserve a current account for an LLC in Sberbank even before submitting documents. The service allows you to get the necessary details in a few minutes without visiting a bank branch.

This is especially convenient if you do not have time to open a current account for an LLC during a personal visit, and you urgently need details to receive funds. Simply fill out the form with your organization details and select a branch to serve.

Details are sent to the specified e-mail address, and the account begins to work for crediting funds. 30 calendar days are given to prepare documents and open a current account with Sberbank for LLC in the selected branch. However, if money has been received on the reserved details, then the invoice processing time is reduced to 5 days, otherwise the funds will be returned to the sender.

Anyone can open a personal account with Sberbank: for this it is not even necessary to have Russian citizenship. Thanks to the development of Internet banking, the procedure is carried out remotely, without a visit to a bank branch and wasting time in queues.

To do this, there is a practical service for managing banking services Sberbank Online.

Any financial institutions offer customers three categories of accounts:

It should be clarified that you can open an account in any currency, but here you need to take into account the territorial sign. In particular, if you pay with a dollar card in Russia, the conversion will be carried out at the internal rate, which is usually unprofitable for the owner. The main currencies for opening accounts are:

• Rubles.
• U.S. dollars.
• Euro.

The choice is up to the client: Sberbank services almost any currency accounts.

Where to begin

To open an account with Sberbank Online, the user needs to gain access to the Personal Account. Only authorized users who are Sberbank clients can make financial transactions, manage deposits and open new accounts. This is a simple procedure that can be performed in three ways.

Firstly, the owner of a bank card can contact the nearest branch of Sberbank and ask employees for help. This will require a card and passport. Secondly, you can go to an ATM and print out a receipt with one-time passwords and identifiers. To do this, select the "MOBILE BANK CONNECTION" menu item.

The third option: follow the link https://online.sberbank.ru, select the "REGISTRATION" section and enter the bank card number in the window that opens. After that, you need to wait for the confirmation code that will come to the phone number. Then it remains to independently set the login and password for access to the internal resources of the system.

Account opening

By going to your Personal Account, you can open a personal account in just a few minutes. To do this, select the item "DEPOSITS AND ACCOUNTS" on the control panel, then "OPEN DEPOSIT". The listed actions take the user to a page containing detailed information on Sberbank products. Programs that are marked with the "Online" prefix allow you to open accounts remotely, all the rest - only with a personal visit.

Having decided on the choice and familiarized yourself with the mandatory conditions, select the "CONTINUE" button and get to the electronic application form. The following fields are required to be filled in:

• Currency - banknotes for opening a deposit.
• Balance - indicates the "fireproof" amount, which will always remain on the balance sheet.
• Write-off - we mark the number of a bank card or personal account from which funds will be transferred.
• Transfer - the amount of funds transferred to the account being opened (not less than the minimum deposit).
• Interest - determines the procedure for receiving interest on a deposit, for example, you can specify the number of a bank card to which they will be transferred.
• Terms - for how long or until what date the account is opened.

The remaining sections are filled in automatically. After that, select "CONTINUE", confirm agreement with the conditions, select "OPEN". If the operation is completed successfully and approved by Sberbank, a blue stamp with the inscription "COMPLETED" appears in the application field.

Basic provisions related to opening an account

Let's consider the key questions that are most often of interest to users who are going to open a deposit through Sberbank Online.

How many accounts can be opened?

This is one case where size doesn't matter. Sberbank does not limit its clients in this matter, so each person can open any number of deposits that he considers appropriate.

Opening a deposit for a minor

Usually we are talking about deposit accounts, where funds will be accumulated. The child will be able to use this amount only upon reaching the age of 18, starting from the age of 14 - access to personal savings is possible only with the approval of parents or guardianship authorities.

Note that such deposits cannot be opened through Sberbank Online: only when visiting a bank branch in person.

Account for a foreigner

Citizens of other states have the right to open accounts on an equal basis with citizens of Russia. If such a person is only going to become a client of Sberbank, he will need a passport and a migration card certifying that the citizen is legally staying in the Russian Federation. If such a citizen has a bank card in his hands, he can open deposits through Sberbank Online on a general basis.

Account in favor of a third party

Do you want to open an account with Sberbank for a relative or friend? No problem, but this can only be done by visiting the bank in person. To do this, you will need your own passport, data of the person in whose favor the account is opened: citizenship, full name, date of birth and place of registration. The presence of a relative is not necessary for this.

Retirement accounts

In order for the pension to be credited to the account of Sberbank, you need to write a corresponding application at the nearest branch. From the documents you will need a passport and a pension certificate. After opening an account, you must obtain the details and transfer them to the territorial branch of the PFR. In addition, it is advantageous to issue a Sberbank card to withdraw savings at ATMs or pay in stores.

Conclusion

Opening an account through Sberbank Online is not difficult: the operation takes no more than 10-15 minutes on average, and you can complete it without getting up from the couch. The only drawback is that not all deposits and accounts are opened remotely.

For all legal entities engaged in commercial activities, the procedure for opening a bank account (one or more) is mandatory at the legislative level. In addition, cashless payments significantly speed up payment transactions and optimize the workflow. With the help of a current account, an enterprise can pay salaries to employees, pay for purchases, make tax deductions, and also accept funds for the services provided. Therefore, as soon as the registration of a legal entity takes place, the company immediately needs to start opening an account with a trusted and reliable bank.

Among such banks, Sberbank occupies a special place - an institution with an impeccable long-term reputation, time-tested, which justified the trust of its customers. To have an idea of ​​how to open an account with Sberbank for a legal entity, it is recommended to visit the official website for informational purposes. There you can also find out about current tariff plans, advantageous propositions, promotions.

Required documents for opening an account

The list of documents required for legal entities to open an account with Sberbank:

• statutory or constituent documents of the company;
• a certificate confirming the state registration of a legal entity;
• TIN of the enterprise;
• extract from the Unified State Register of Legal Entities;
• certificate from the tax service on the registration of the company;
• confirmation from government statistics;
• a questionnaire filled out according to the model established by the bank;
• supporting documentation on the powers of the head or chief accountant;
• a special card containing an imprint of the company's seal, samples of personal signatures of officials;
• licenses - if the company's activities require it.

Note: originals of all documents are provided, and bank employees make copies and certify them. You can also provide a package of photocopies certified by a notary.

Identification and conclusion of the contract

Before opening an account, a bank employee will carry out a procedure for identifying a legal entity, processing the data provided. Verification of information is carried out on the basis of the documents provided. Usually the manager does not need to bring any additional information.

This is followed by the stage of the conclusion of the contract. The document is signed by representatives of Sberbank and the organization, and also sealed by both parties. Further, the bank employee creates an account in the registration book - the opening of an account for legal entities in Sberbank can now be considered completed.

Note: within a week, a legal entity should be sure to transfer information about opening a current account to the tax service, pension fund and social insurance authorities.

Online reservation service

To improve the quality of customer service, Sberbank has developed an additional option that allows you to remotely reserve a seat on the bank's official portal. This operation will be convenient if the manager does not currently have the opportunity to personally contact the branch to open an account.

Click on the "Small Business" or "Banking" tab

"Online current account number"

The essence of the service is virtual registration. The director or chief accountant fills out an electronic questionnaire, enters all the relevant data. This is followed by the stage of information processing, the procedure for identifying the company. In parallel, a Sberbank employee creates a current account number and sends a notification to the client with the information.

The account number reserved in this way will be valid for five days. At this time, the company is not yet able to fully complete all financial transactions, only to receive funds.

But do not forget that within the same 5-day period, you must come to the Sberbank branch in person and provide a complete package of necessary documents. Only then will the procedure for opening a current account be considered completed, and it will be possible to carry out all debit transactions. If it didn’t work out for 5 days to find time to complete the full activation, then there is no reason to panic. The reserved account number is simply canceled, and all funds that have been credited in time will be returned to counterparties. After that, you can re-register online or open a current account with Sberbank.

Account opening services are provided on a paid basis. But there is also the possibility of a free opening - usually an employee of Sberbank informs about these nuances and conditions. But according to the general rules, an additional service will need to be connected to the online reservation. In addition to opening an account for free, a legal entity will have the opportunity to be serviced remotely, which significantly helps to save time.